If you own a trucking business or operate as an independent truck driver, having the right trucking insurance is crucial for protecting your vehicles, cargo, and livelihood.
Accidents, theft, or cargo damage can lead to significant financial loss — and that’s where reliable commercial truck insurance companies come in.
In 2025, the demand for comprehensive trucking insurance coverage has grown rapidly due to rising logistics and transportation needs. To help you make an informed decision, we’ve listed the top trucking insurance companies that offer the best coverage options, affordable premiums, and exceptional customer service.
This SEO-friendly article covers everything you need to know about commercial truck insurance, the best insurers, and tips for getting the best quotes online.
What Is Trucking Insurance?
Trucking insurance is a specialized type of commercial vehicle insurance designed for trucks and trucking businesses. It protects against physical damage, liability, cargo loss, and other risks associated with operating trucks on the road.
There are different types of trucking insurance policies, including:
- Primary Liability Insurance – Covers bodily injury and property damage caused by your truck.
- Physical Damage Coverage – Protects your truck against accidents, theft, and vandalism.
- Cargo Insurance – Covers goods being transported.
- Non-Trucking Liability Insurance – Protects owner-operators when not under dispatch.
- Bobtail Insurance – Covers the truck when driving without a trailer.
By choosing from the best trucking insurance companies, you ensure financial protection, compliance, and peace of mind.
Why You Need Commercial Truck Insurance
Operating without proper commercial trucking insurance can be risky and even illegal in many states. Here’s why it’s essential:
- Legal Requirement: Federal and state laws mandate minimum liability coverage for commercial trucks.
- Financial Protection: Covers costly repairs, lawsuits, and medical bills.
- Cargo Security: Protects shipments against loss, theft, or damage.
- Peace of Mind: Ensures your business remains stable even after unexpected incidents.
- Fleet Management Benefits: Many top trucking insurance companies offer policies designed for multiple vehicles.
Top 10 Trucking Insurance Companies in 2025
Here’s a list of the best trucking insurance providers that offer affordable rates, strong financial stability, and excellent customer service.
1. Progressive Commercial
Best For: Overall trucking insurance coverage
Progressive is the largest provider of commercial truck insurance in the U.S., known for its flexible coverage and competitive pricing. They offer specialized plans for owner-operators, fleets, and cargo carriers.
Key Features:
- Comprehensive liability and physical damage coverage
- Discounts for safe driving and multi-truck fleets
- 24/7 claims support
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2. The Hartford
Best For: Fleet and business coverage
The Hartford is one of the oldest and most reliable commercial insurance providers, offering customized coverage for trucking businesses.
Key Features:
- Flexible fleet management policies
- Excellent customer service
- Fast claims handling
3. Nationwide
Best For: Small trucking businesses
Nationwide offers policies designed for small trucking operators, providing affordable coverage and superior claims support.
Key Features:
- Flexible deductible options
- Coverage for cargo and equipment
- Nationwide assistance program
4. Sentry Insurance
Best For: Owner-operators and independent drivers
Sentry Insurance is trusted for its personalized service and competitive truck liability insurance. It focuses on long-haul and regional trucking coverage.
Key Features:
- 24/7 claims assistance
- Customizable policies
- Safety consultation for fleet owners
5. State Farm
Best For: Local and regional trucking operations
State Farm offers comprehensive commercial auto insurance that includes protection for trucks, trailers, and business operations.
Key Features:
- Excellent customer support network
- Customizable coverage options
- Ideal for short-haul trucking businesses
6. OOIDA (Owner-Operator Independent Drivers Association)
Best For: Independent truck drivers
OOIDA Insurance offers affordable policies specifically for independent truckers. It provides coverage for liability, cargo, physical damage, and occupational accident insurance.
Key Features:
- Designed for individual drivers
- Industry expertise
- Flexible monthly premiums
7. CoverWallet (by Aon)
Best For: Online policy management and quotes
CoverWallet is a digital insurance comparison platform that lets you compare trucking insurance quotes from multiple providers in minutes.
Key Features:
- Easy-to-use online dashboard
- Get multiple quotes instantly
- Policy management in one place
8. Great West Casualty Company
Best For: Specialized trucking businesses
Great West Casualty Company focuses exclusively on the trucking industry, offering policies that meet the unique risks of transportation businesses.
Key Features:
- Decades of trucking experience
- Comprehensive liability protection
- Excellent claim service record
9. Berkshire Hathaway GUARD
Best For: Large fleets and logistics companies
Berkshire Hathaway GUARD offers tailored fleet insurance solutions with broad coverage, backed by the financial strength of Warren Buffett’s Berkshire Hathaway.
Key Features:
- Ideal for medium-to-large fleets
- Multiple coverage types
- Strong financial stability
10. Northland Insurance
Best For: High-risk and long-haul trucking
Northland Insurance, a subsidiary of Travelers, is well-known for its commercial truck insurance tailored to long-distance operators.
Key Features:
- Specialized for long-haul trucking
- Expert claims management
- Flexible payment options
How to Choose the Right Trucking Insurance Company
- Compare Multiple Quotes: Always check prices and benefits from different trucking insurance companies.
- Check Financial Stability: Choose companies with strong credit ratings and claim histories.
- Evaluate Coverage Needs: Select policies that match your trucking routes and cargo types.
- Look for Discounts: Many insurers offer multi-truck or safe driver discounts.
- Read Reviews: Customer feedback helps identify reliable insurers with good service.
Tips for Saving Money on Trucking Insurance
- Maintain a clean driving record
- Bundle policies (auto, cargo, and liability)
- Use telematics or GPS systems for discounts
- Review policies annually
- Avoid unnecessary add-ons
Final Thoughts
Choosing the right trucking insurance company can make all the difference in protecting your business. The top trucking insurance providers like Progressive, The Hartford, and Sentry Insurance offer comprehensive coverage at competitive rates, ensuring your fleet and cargo are always secure.
Whether you operate one truck or manage a large fleet, having reliable commercial truck insurance safeguards your assets, drivers, and business future. Before purchasing, always compare trucking insurance quotes online to find the most affordable and effective policy for your needs.